The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$34,301
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,368
−HK$1,084/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,159
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,038/mo
Today · 4.125%
HK$40,221
baseline
▲ 0.50% · 4.625%
HK$42,341
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,442/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,161
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,441
−HK$1,301/mo
Today · 4.125%
HK$43,742
baseline
▲ 0.50% · 4.625%
HK$46,404
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,484/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,791
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,019
−HK$1,246/mo
Today · 4.125%
HK$48,265
baseline
▲ 0.50% · 4.625%
HK$50,809
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,530/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,021
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,515
−HK$1,517/mo
Today · 4.125%
HK$51,032
baseline
▲ 0.50% · 4.625%
HK$54,138
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,064/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,423
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,856
−HK$1,453/mo
Today · 4.125%
HK$56,309
baseline
▲ 0.50% · 4.625%
HK$59,277
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,618/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,741
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,662
−HK$1,951/mo
Today · 4.125%
HK$65,613
baseline
▲ 0.50% · 4.625%
HK$69,605
+HK$3,992/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,226/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,687
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,529
−HK$1,868/mo
Today · 4.125%
HK$72,397
baseline
▲ 0.50% · 4.625%
HK$76,214
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,794/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,094 · Scale 2, in force from 26 Feb 2026)